Loan Rates

Effective Date: January 28, 2026

Annual Percentage Rate (APR) may change at any time. All loans subject to approval.

APPLY

Auto Loans

New Boat/RV Loans

Used Boat/RV Loans

Motorcycle Loans

Lines of Credit

Personal Loan

Term Share Secured Loans

Regular Share Secured Loan

Mortgage Loan

Home Improvement Loans

Home Equity Loans

Credit Cards

General Rate & Program Disclosures

Rates, terms, and promotions are subject to change without notice and are locked at the time of loan approval. The actual periodic rate and corresponding Annual Percentage Rate (APR) for each loan product are based on the applicant’s creditworthiness; advertised rates are for approved credit, and not all applicants will qualify for the lowest rate. Unless otherwise noted, advertised rates reflect available offers and may not be combined with other discounts or promotions. Membership eligibility is required, and all credit products are subject to credit approval. Program availability, rates, and terms are subject to change.

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Auto Loan Disclosures

As low as advertised auto loan rates are available for new auto purchases only at H-E-B Federal Credit Union for model years 1–5; other terms and rates are available. Rates are locked at loan approval and vary based on creditworthiness.

‡No payment for up to 90 days is available on qualifying auto loans only and subject to credit approval. Interest accrues during the deferral period and will be included in the loan balance. Skipping the initial payment(s) will increase the total amount paid over the life of the loan. The first payment due date will be determined at loan closing. Offer may not be combined with other promotions or discounts unless otherwise noted. Additional restrictions may apply.

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Mortgage Loan Disclosures

The actual interest rate and Annual Percentage Rate (APR) offered are based on the applicant’s creditworthiness, loan terms, property type, and other underwriting factors, and not all applicants will qualify for the lowest rate.

A minimum of 20% equity is required for certain mortgage products. Your actual APR may differ from the advertised rate, as multiple factors affect the final APR, including loan amount, term, property value, and closing costs.

Property insurance is required, and flood insurance may be required for properties located in designated flood zones. Additional fees and closing costs may apply.

H-E-B Federal Credit Union is an Equal Housing Lender.

Home Equity

Home Equity Loan

Under Texas law, the maximum amount you may borrow with a Home Equity Loan or Home Equity Line of Credit (HELOC) is 80% of your home’s appraised value. Mortgage loans are available only on property located in Texas. Home Equity Loans and HELOCs are available on primary residences only and are subject to credit and property approval.

Rates and terms shown are for illustrative purposes only and are subject to change without notice. Your actual rate and term will depend on creditworthiness, collateral value, loan amount, lien position, loan-to-value ratio, and other underwriting factors. Sample payments do not include amounts for taxes, insurance, or similar items; actual payments may be higher. Property insurance is required, including flood insurance where applicable.

Home Equity Loans have a minimum loan amount of $10,000 and are subject to credit and property approval. Closing costs may include, but are not limited to, title search, flood certification, recording fees, reconveyance fees, title insurance, appraisal fees, and survey costs. This limited-time offer applies to new or refinanced (new money) Home Equity Loans of $10,000 or more. H-E-B Federal Credit Union will cover eligible closing costs for Home Equity Loans under $100,000. Loans submitted prior to the promotional dates do not qualify.

Membership with H-E-B Federal Credit Union is required, and all loans are subject to credit approval. All rates, terms, and programs are subject to change without notice.

Nationwide Mortgage Licensing System (NMLS) #402440.

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Credit Card Disclosures

†Credit card APRs are accurate as of 12/12/2025 and will not exceed 18.00%. Purchase and balance transfer APRs may vary based on the Prime Rate.

††Introductory balance transfer rate is available on new Platinum Mastercard® and Platinum Rewards Mastercard® accounts only. Migrated Mastercard accounts opened prior to 10/25/21 and existing balances are not eligible. Balance transfers must be made from a credit card issued by another financial institution and completed within 60 days of opening a new H-E-B FCU Mastercard account. The introductory APR applies to the first 12 statement closing dates following the balance transfer; thereafter, the APR converts to the prevailing rate for the applicable card.

ATM withdrawals, balance transfers, cash advances, finance charges, fees, and other non-purchase transactions do not qualify for rewards. Rewards are forfeited if the card is closed before redemption. H-E-B FCU reserves the right to disqualify transactions that are unusual, non-customary, or intended to abuse the rewards program; abuse may result in loss of rewards and card privileges.